Inroads

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$329.6M

23^th percentile

Members

16,172

12^th percentile

Total loans

$254.5M

38^th percentile

Total shares

$295.7M

28^th percentile

Profitability

Return on assets

0.03%

5^th percentile

Net interest margin

3.78%

71^th percentile

Efficiency ratio

77.48%

2^th percentile

Non-interest income ratio

18.25%

45^th percentile

Capital & Risk

Net worth ratio

8.60%

11^th percentile

Delinquency rate

1.17%

21^th percentile

Net charge-off rate

0.50%

41^th percentile

Loan-to-share

86.09%

64^th percentile

Growth

Member growth YoY

-2.25%

22^th percentile

Asset growth YoY

-8.32%

1^th percentile

Loan growth YoY

-5.51%

7^th percentile

Share growth YoY

1.83%

26^th percentile

Operations

Members / branch

4,043

38^th percentile

Assets / member

$20,383

77^th percentile

Field of membership penetration

1.01%

16^th percentile

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